Reporting to the AVP, Product and Underwriting, the role is responsible for leading strategic development and execution of underwriting policies, practices, and risk management for direct-to-consumer home and auto insurance products. This role ensures profitable growth, regulatory compliance, and competitive customer-centric products while fostering innovation in a digital-first environment.
What can you expect from this role?
Strategic Leadership
- Develop and implement underwriting strategies aligned with company operational plan and market trends.
- Lead underwriting initiatives to optimize pricing, risk selection, and portfolio performance.
- Monitor competitive landscape and regulatory changes to inform product innovation and differentiation.
- Collaborate with executive leadership on product development and market expansion.
Operational Oversight
- Oversee day-to-day underwriting philosophy, ensuring efficiency, accuracy, and compliance.
- Monitor underwriting guidelines, workflows, and quality assurance protocols.
- Set performance goals, conduct evaluations, and implement training programs.
- Foster a culture of accountability, innovation, and continuous improvement.
Technology & Innovation
- Partner with product and tech teams to enhance underwriting automation and digital tools.
- Leverage data analytics and AI to improve risk assessment and decision-making.
- Drive adoption of modern underwriting platforms and customer-centric solutions.
Stakeholder Collaboration
- Work cross-functionally with digital, product, portfolio management, pricing, claims, marketing, analytics and legal teams.
- Represent underwriting in strategic planning, regulatory discussions, and partner engagements.
- Provide insights and reporting to senior leadership on underwriting performance and competitive landscape.
What do you bring to the role?
- Bachelor’s degree in business, Insurance, Actuarial Science, or related field (MBA or CIP/FCIP designation is an asset)
- 8+ years of progressive experience in personal insurance, with a strong focus on product management and underwriting
- Proven leadership experience in a direct-to-consumer or digital insurance environment
- Strong collaboration skills, strategic thinking and stakeholder management
- Deep understanding of home and auto insurance products, pricing, and regulatory frameworks
- Excellent analytical and problem solving with the ability to select and implement best solution
- Advanced decision-making skills
- Strong proficiency in Microsoft Office suite of products
Key Competencies
- Strategic Thinking & Execution
- Risk Management & Compliance
- Leadership & Team Development
- Customer-Centric Mindset
- Digital Fluency & Innovation
- Collaboration & Influence
Salary range is $87,400 - $161,000
